San Antonio, TX · Charter 60630
NCUA · 1 branch
Q4 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.39% | 0.34% | 0.32% | -10.90% | -1,107 bps | |
| Return on Equity | 0.73% | 1.64% | 1.43% | 1.30% | -72.45% | -7,318 bps | |
| Net Interest Margin | 2.87% | 2.94% | 2.90% | 3.00% | -7.36% | -1,023 bps | |
| Efficiency Ratio | 87.70% | 89.20% | 90.26% | 90.78% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.15% | -7.28% | -5.91% | -9.76% | -11.07% | -1,423 bps | |
| Loan Growth (YoY) | -5.96% | -7.66% | -9.82% | -10.86% | -11.45% | -549 bps | |
| Share Growth (YoY) | 4.01% | -9.51% | -7.90% | -12.94% | -1.74% | -575 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.03% | 0.04% | 0.13% | 0.34% | 0.08% | -95 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.51% | 0.46% | 0.52% | 0.45% | -16 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.08% | 23.86% | 23.91% | 24.79% | 15.05% | -803 bps | |
| Net Worth / Assets | 23.08% | 23.86% | 23.91% | 24.79% | 15.05% | -803 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.42% | 68.90% | 67.53% | 69.13% | 62.56% | -685 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |